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I just looked, and generally, if you want to put money into a CD, you can't get 3% for a 12 month CD, you need to go out 2 or 3 years to get that rate. So it doesn't beat inflation (CD's generally don't), just stems it a bit.
Only got A dimple, would have preferred 2!
What I found amusing was the tone of the ad that made 3% sound like such a great deal that every investor should run out and lock it in. It may be in this economy, but how many remember when much much higher rates use the same type of advertising.
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